BlastPoint's Credit Union Scorecard
ISRAEL METHCOMM
Charter #15673 · IL
<100M
2508 CUs in <100M nationally
137 in IL
ISRAEL METHCOMM has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.81% above tier average
- + Strong member growth: 6.7% YoY
- + Efficiency Ratio: Top 0.2% in tier
- + Member Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.13% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.0% in tier
- - Total Members: Bottom 5.8% in tier
- - AMR Growth Rate: Bottom 6.9% in tier
- - Fee Income Per Member: Bottom 7.2% in tier
- - Loan Growth Rate: Bottom 7.3% in tier
- - Members Per Employee (MPE): Bottom 7.4% in tier
- - Total Loans: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
238
+6.7% YoY+1.3% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
Bottom 5.7% in tier |
| Assets |
$2.2M
+4.0% YoY-5.4% QoQ
|
$-28.0M |
$30.2M
+1.3% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.1% in tier |
| Loans |
$542,410
-19.0% YoY-16.9% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.2% in tier |
| Deposits |
$1.6M
+2.2% YoY-5.7% QoQ
|
$-24.2M |
$25.8M
+0.7% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.9% in tier |
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| ROA |
3.0%
-8.1% YoY+27.6% QoQ
|
+2.8% |
0.1%
-77.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Top 2.2% in tier |
| NIM |
3.2%
-10.5% YoY+19.2% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
7.7%
-32.6% YoY-45.9% QoQ
|
-82.9% |
90.6%
+6.5% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
Top 0.2% in tier |
| Delinquency Rate | 5.6% | +4.1 |
1.5%
+3.8% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.0% in tier |
| Loan To Share |
34.3%
-20.7% YoY-11.9% QoQ
|
-24.2% |
58.5%
-3.0% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
15% |
| AMR |
$8,914
-10.3% YoY-10.0% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 14.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
5
Efficiency Ratio
profitability
Value:
7.71%
Peer Median: 81.45%
#5 of 2508
Top 0.2% in <100M tier
54
Return on Assets (ROA)
profitability
Value:
2.96%
Peer Median: 0.61%
#54 of 2508
Top 2.1% in <100M tier
129
Member Growth Rate
growth
Value:
6.73%
Peer Median: -1.37%
#129 of 2508
Top 5.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (13 metrics)
2384
Total Delinquency Rate (60+ days)
risk
Value:
5.63%
Peer Median: 0.65%
#2384 of 2508
Bottom 5.0% in <100M tier
2363
Total Members
engagement
Value:
238
Peer Median: 1,918
#2363 of 2508
Bottom 5.8% in <100M tier
2336
AMR Growth Rate
growth
Value:
-10.25%
Peer Median: 1.27%
#2336 of 2508
Bottom 6.9% in <100M tier
2329
Fee Income Per Member
profitability
Value:
$0.62
Peer Median: $60.42
#2329 of 2508
Bottom 7.2% in <100M tier
2327
Loan Growth Rate
growth
Value:
-18.98%
Peer Median: -2.36%
#2327 of 2508
Bottom 7.3% in <100M tier
2323
Members Per Employee (MPE)
engagement
Value:
119.000
Peer Median: 333.750
#2323 of 2508
Bottom 7.4% in <100M tier
2303
Total Loans
balance_sheet
Value:
$542,410
Peer Median: $9.48M
#2303 of 2508
Bottom 8.2% in <100M tier
2260
Total Deposits
balance_sheet
Value:
$1.58M
Peer Median: $18.77M
#2260 of 2508
Bottom 9.9% in <100M tier
2254
Total Assets
balance_sheet
Value:
$2.16M
Peer Median: $21.86M
#2254 of 2508
Bottom 10.2% in <100M tier
2122
Loan-to-Share Ratio
balance_sheet
Value:
34.35%
Peer Median: 58.72%
#2122 of 2508
Bottom 15.4% in <100M tier